By contrast, we work with you to lock in a long-term game plan, looking 3-5 years ahead. We’ll make sure that you know where you’re headed, reigning in skyrocketing costs and yearly price surprises.

Blind Cost Acceptance vs. Negotiation and Compromise

Even if your advisor is doing their absolute best at shopping around and comparing prices, usually they’ll just take an insurance provider at offer face value.

Unfortunately, many of those providers are massively overcharging. Lawsuits against major providers disputing their charges have become commonplace, with Cigna most recently facing a class-action lawsuit for overcharging clients.

Our approach removes the risk of blind faith in for-profit middlemen. With reference-based pricing and more direct relationships between businesses and health care providers, we make it clear to you what different services cost — and don’t expect you to shell out far over and above.

Captiva is able to use the Medicare cost for a procedure as a baseline and negotiate with hospitals on a price that allows them some reasonable profit margin while saving your business the staggering costs insurance companies have normalized.

Employee Blaming vs. Action and Ownership

Big insurance providers often default to blame shifting when costs keep rising, and the favorite scapegoat is often your employees.

When your employees suffer, your business culture and effectiveness as a whole suffers with them.

Instead of scapegoating, Captiva Benefit Solutions analyzes the data to figure out exactly where higher costs are coming into play. We know that the only true method for lowering costs is through improving the whole benefits system.

Our core value of transparency means that we’ll be able to show you hard facts about where the money is going, and where you can eliminate costs.

If this sounds like a better option than the status quo, contact us today for more transparent, affordable health benefits.